The moment you entrust ATS as your title agent, you will be assigned your own personal ATS concierge whose role it is to guide you through our proven closing process and ensure that you have a successful real estate closing.
Your ATS concierge will schedule an introductory phone call with you to discuss your transaction from start to finish. You will also be asked a series of Proven Closing Process questions specifically designed to determine whether there are any areas of disconnect that require attention.
Your ATS concierge will prepare a summary of the call and deliver the summary to you as well as to your realtor and mortgage lender (if necessary) in order to ensure that all parties are provided the most up to date and detailed communication.
Your ATS concierge will schedule additional calls with you, as necessary, to confirm that any follow-up items have been satisfied.
As your closing nears, your ATS concierge will schedule a pre-closing discussion to ensure that you are prepared for closing.
Your ATS concierge will introduce you to the ATS representative who will attend your closing, and you will establish a convenient day and time for closing.
An ATS representative will be present at your closing to walk you through the signing of documents at closing.
After closing, you will again be contacted by your ATS concierge to congratulate you and to answer any questions you may have about your new role as a homeowner.
Ask attorney Scott Marcus questions about the real estate title process and how Association Title Services can help you.
Director of Operations
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What is title search?
The title to your property is a history of ownership. Any of the past owners could have judgments against them which could attach to the property. In addition to mortgage liens, the property could have liens on it placed by contractors, associations,recorded code violations or restrictions.
Are there any defects that a title search cannot reveal?
Yes. There are some “hidden defects” that even the most diligent title search may never reveal. For example: fraud and forgery, defective deeds, mental incompetence or incorrect marital status reference. These defects can arise after you’ve purchased your home and can jeopardize your right to ownership. Title insurance protects your right to ownership.
How does title insurance protect my investment if a claim should arise?
If a claim is made against your property, title insurance will, in accordance with the terms of your policy, provide you with a legal defense. If the claim proves valid, the title insurance underwriter will reimburse you for your actual loss up to the face amount of the policy.
Is title insurance paid annually?
No. Unlike other insurance premiums, which must be paid annually, a title insurance premium is paid one time only at settlement.
Who pays for title insurance?
The payment of title insurance premiums in Florida varies per county and can be negotiated in the contract. The seller generally pays for the title insurance and chooses the title/closing company in most Florida counties. The buyer generally pays for title insurance and chooses the title/closing company in the following counties: Sarasota, Collier, Miami Dade and Broward.
What is a lien search?
A lien search provides us with information on any unrecorded matters such as unrecorded code violations, open permits or outstanding taxes.
What is a property survey?
A survey sets forth the accurate legal description to the property as well as a determination whether there are any encroachments onto the property from neighboring properties or from the property onto neighboring properties.
What is a community association estoppel?
A form completed by the association indicating whether regular assessment dues are current and whether there are any special assessments owed or pending.
How long does it take to verify whether title is marketable?
A title search and examination can generally be performed within 48 hours. The title search may reveal certain issues which require additional time in order to determine whether they can be cleared at closing. If the property is within an association (condominium or homeowners’ association) the estoppel letter(s) from the association may take additional time to obtain.
Jennifer Bales-Drake, Esquire
Scott A. Marcus, Esquire
Director of Operations
Michael Boutzoukas, Esquire
Tyra Read, Esquire
Ft. Myers Manager
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1 East Broward Blvd. Suite 1800
Ft. Lauderdale, Florida 33301
Toll Free: 866-800-2878
Tel: (954) 985-4170
Fax: (954) 446-1566